Call reports 2006
SAINT LOUIS BANK — 2006
What SAINT LOUIS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 197,035,000 | 241,964,000 | 279,624,000 | 343,594,000 |
| Total loans | 154,518,000 | 208,128,000 | 240,085,000 | 295,119,000 |
| Allowance for loan losses | 1,920,000 | 2,593,000 | 2,993,000 | 3,943,000 |
| Securities available for sale | 23,597,000 | 27,946,000 | 32,655,000 | 40,821,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,035,000 | 198,064,000 | 228,337,000 | 288,239,000 |
| Interest-bearing deposits | 148,590,000 | 182,568,000 | 212,926,000 | 268,505,000 |
| Noninterest-bearing deposits | 13,445,000 | 15,496,000 | 15,411,000 | 19,734,000 |
| Equity capital | 31,641,000 | 31,808,000 | 32,443,000 | 32,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,841,000 | 6,821,000 | 11,900,000 | 18,057,000 |
| Interest expense | 1,244,000 | 3,119,000 | 5,763,000 | 9,164,000 |
| Net interest income | 1,597,000 | 3,702,000 | 6,137,000 | 8,893,000 |
| Noninterest income | 161,000 | 405,000 | 643,000 | 958,000 |
| Noninterest expense | 1,126,000 | 2,348,000 | 3,782,000 | 5,232,000 |
| Provision for loan losses | 521,000 | 1,194,000 | 1,594,000 | 2,544,000 |
| Pretax income | 111,000 | 565,000 | 1,404,000 | 2,075,000 |
| Income tax | 50,000 | 239,000 | 589,000 | 870,000 |
| Net income | 61,000 | 326,000 | 815,000 | 1,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,033,000 | 32,033,000 | 32,522,000 | 32,910,000 |
| Total capital | 32,953,000 | 34,626,000 | 35,515,000 | 36,836,000 |
| Risk-weighted assets | 162,640,000 | 228,646,000 | 265,402,000 | 314,396,000 |